The angsty originators of the quarter-life crisis start to hit 60 this year, and that means some big decisions are ahead for Generation X. The most consequential: when to take Social Security.

People born on the 1-10th of the month are paid on the second Wednesday, 11th - 20th on the third Wednesday and 21st – 31st on the forth Wednesday. People who received Social Security before 1997 or receive both SSI and Social Security are paid on the first and third of the month, respectively.

If you're on benefits or expect to claim soon, it's only natural to feel a little anxious when you hear that yet more Social Security changes are on the way on Oct. 15, 2025. But some of these changes could work in your favor. Here are the five biggest ones to expect.

About 500,000 people were still getting paper checks — including people over age 80, living with disabilities or without internet access.

A new bill would permanently end taxes on Social Security, letting retirees keep more and pushing solvency past the 2034 cliff.

As of Sept. 30, paper Social Security checks will be going away for most beneficiaries, meaning that most payments will be done electronically.

With tens of millions of seniors relying on Social Security for the majority of their income, every single dollar makes a difference. Analysts currently expect the final calculation to reveal a COLA of 2.7% or 2.8%.